Stash uses Google Fit to work out how much to stash based on your fitness data. Download Google Fit in the Play Store.

Fitness devices and apps from Strava, Withings, Runtastic, Runkeeper, Noom Coach, Android Wear, Nike+, MyFitnessPal, Lifesum, Basis, Sleep as Android and Xiaomi Mi bands can connect with Google Fit to show all of your data in one place.

Remember, the fitness data in Google Fit belongs to you. You can grant apps access to use the data and add to it, and at any time revoke that access from the Google Settings app. You can also delete the data stored in Google Fit at any time.

Smart Deposits

It’s a feature that stashes money when it’s ‘safe to save’. Every day, Stash works out whether money is safe to save by comparing your spending behaviour this month to last month. If you’ve spent less money this month than you did last month, you’ll stash R5.

Before 1pm each day, you can stop Smart Deposits from getting stashed.

Stashing and cashing out

30 hours, at most. By 2pm each day, your spare change from the past 24 hours get tallied up and the money is taken from your bank account. It’s invested at 8pm every day that the stock market is open. If your round up is R0.01, it’ll still get stashed. Every cent matters.

None. As long as Stash is your only tax-free savings account you won’t pay any capital gains tax, dividends tax or tax on your interest. If you have another tax-free savings account, make sure you don’t invest more than R33 000 between your Stash and other tax-free savings accounts or else you’ll pay a penalty to SARS. In May, we’ll send you a tax certificate (it’s nothing special really), so that you can tell the tax man about your Stash.

You get a tax-free savings allowance of R33 000 from 1 March to 28 February each year and R500 000 for the rest of your life. The key thing to consider is that whatever you cash out is irreplaceable. So, if you cash out R30 000, your tax-free allowance would be R470 000, i.e. you could only contribute R470 000 to a tax-free savings account for the rest of your life.

Download the Transfer Request Form in Important Docs in Help. Fill in the form, sign it, and send it to the product provider you wish to transfer to and ask them to fill out Section B. Then, email the completed form to transfers@stash.co.za. Make sure that the receiving product provider knows to look out for your transfer request. They may have their own requirements before you can start a transfer. Once we've received the completed form, we will process the transfer. We will send the money directly to the receiving product provider -- it won't be paid into your bank account.

Once we receive your transfer request, you won't be able to invest or cash out while we process the transfer. Your transfer is a full transfer which means that your Stash balance will be zero when the transfer happens. Your estimated transfer value will change between the day you request the transfer, and the day that the transfer is processed. This change is because of market fluctuations. Once you start the transfer, it cannot be stopped. You can transfer up to two times in a tax year (starting on 1 March).

Contact your existing provider and ask them for the Transfer Request Form. Fill it in, sign it, and send it to us. We'll send the completed form back to you. Once we've accepted the transfer, your existing provider will send the money directly to us -- it won't be paid into your bank account.

No. Stash has no minimum account balance. In fact, we’ll add a R10 to your Stash, just for signing up. Every time a friend of yours starts their own Stash, we’ll add R10 to your Stash too. We’ll stash all your spare change – all of it, from the first cent.

When you refer a friend, from your app, and they start their own Stash, we’ll give them R10. You’ll get R10 added to your Stash too. The maximum loot that can be added to your Stash from referrals is R1,000 (100 friends).

Security

Your personal data is always encrypted. We encrypt all communication between Stash servers and all third-party partners. Stash is backed and operated by Liberty who’ve been creating new ways for South Africans to insure, save and invest for over 50 years.

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What is Stash?

Stash is an app that invests your spare change. Simple. Every time you swipe your card, Stash detects the transaction, rounds it up to the nearest R10 and invests your spare change. This spare change - small amounts of money - is invested in SA’s Top 40 Biggest Companies. As these companies grow, so does your Stash.

Yes. Stash uses state-of-the-art security measures. Your personal information is anonymised, encrypted and securely stored. Stash is backed and operated by Liberty who’ve been creating new ways for South Africans to insure, save and invest for over 50 years.